Scoma Team - RPM Mortgage

Scoma Team - RPM Mortgage Having been in the real estate lending industry for 27+ years, Chuck Scoma brings great experience and a wealth of knowledge to his clients. NMLS #270808

Chuck Scoma: Executive Loan Advisor LendUS, LLC dba RPM Mortgage NMLS #1938 - Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act. Equal Housing Opportunity.

850-a Treat Avenue, San Francisco, CA 94110 | Compass
04/09/2019
850-a Treat Avenue, San Francisco, CA 94110 | Compass

850-a Treat Avenue, San Francisco, CA 94110 | Compass

850-a Treat Avenue, San Francisco, CA 94110 is a Condo listed for sale at $999,000. Thishome is a 2-Beds 1.5-Baths property. View more details and sales history on Compass. 482474.

04/08/2019
RPM Mortgage
04/03/2019

RPM Mortgage

Want to invest in real estate, but having trouble qualifying? Our Investor Advantage program offers a unique alternative to hard money financing and requires no income documentation. Speak to one of our local loan advisors today for more details!

Call me today to discuss your options
04/02/2019
RPM Mortgage

Call me today to discuss your options

The spring housing market is off to the races! The inventory of homes for sale is increasing, and new research shows that the first week of April is actually the best time to list your home.

RPM Mortgage
03/23/2019
RPM Mortgage

RPM Mortgage

Home prices may be cooling off right now, but rents are heating up yet again. After taking a breather in 2018, rents for both single-family homes and multifamily apartments are now rising at the fastest pace in nearly a year, according to Zillow.

RPM Mortgage
03/20/2019
RPM Mortgage

RPM Mortgage

Tax refunds can feel like winning the lottery, but experts contend refunds are like giving a no-interest loan to the government.

RPM Mortgage
03/08/2019
RPM Mortgage

RPM Mortgage

Homeownership is not just a roof over your head. It represents shelter, stability, wealth, and pride! Let us help you achieve the American dream!

RPM Mortgage
02/26/2019
RPM Mortgage

RPM Mortgage

After a long and cold winter, all it takes is for warmer temperatures and birdsong to lure homeowners to the hardware stores. But before you go gung-ho with your DIY projects, here are eight untold myths you will want to know about.

RPM Mortgage
02/09/2019
RPM Mortgage

RPM Mortgage

If you are planning to sell your home in the spring, here's some tips on what you can do now to ensure it's prepped and painted just in time for potential buyers to walk through the door.

RPM Mortgage
01/08/2019
RPM Mortgage

RPM Mortgage

Mortgages rates may be higher than they were a year ago, but that shouldn't scare prospective buyers. Here's some good insight into how the rate hike affects what you pay on mortgages and more.

RPM Mortgage
01/05/2019
RPM Mortgage

RPM Mortgage

Is saving for a down payment one of your resolutions this year? Accepting a gift from a willing (and generous) family member can help make it happen. We'll cover all you need to know below!

RPM Mortgage
11/29/2018

RPM Mortgage

Pre-approved by another lender, our clients were searching for the perfect investment property to add to their portfolio. They felt confident that they’d get fully approved so, once they found a home that checked all the right boxes, they submitted a strong non-contingent offer and put down a $30,000 deposit. But the couple was denied two weeks into the deal because their debts were too high to qualify for the jumbo loan they needed. They went back and forth with the lender to try to find a solution but, with their deposit on the line, ultimately decided to give us a call. We immediately recognized that we had a niche product loan that would allow us to work outside the box to get them their home. Less than three weeks after coming to us for help, our clients were ecstatic to close on their investment property and continue their pursuit of financial freedom.

RPM Mortgage
09/25/2018

RPM Mortgage

Pre-approved by another lender, our clients were searching for the perfect investment property to add to their portfolio. They felt confident that they’d get fully approved so, once they found a home that checked all the right boxes, they submitted a strong non-contingent offer and put down a $30,000 deposit. But the couple was denied two weeks into the deal because their debts were too high to qualify for the jumbo loan they needed. They went back and forth with the lender to try to find a solution but, with their deposit on the line, ultimately decided to give us a call. We immediately recognized that we had a niche product loan that would allow us to work outside the box to get them their home. Less than three weeks after coming to us for help, our clients were ecstatic to close on their investment property and continue their pursuit of financial freedom.

Call me today 👍🏼
08/24/2018
RPM Mortgage

Call me today 👍🏼

Home price growth is slowing in nearly half of the 35 largest U.S. metropolitan markets. If you have been waiting to purchase a new home, the time is now! Let's talk today.

RPM Mortgage
08/22/2018

RPM Mortgage

Our recent borrower is a successful REALTOR in her market and spends her time helping others find the perfect home. So when it came time to buy a home for herself, she knew how the process should go. She had good credit and income, but is self-employed which made it difficult for her to get pre-approved. Once she finally found a lender, she was promised they would close the deal no matter what. So our client started house-hunting and within a couple months, was in contract. She started getting suspicious when, three weeks in, the title company still hadn’t heard from the lender. When she finally got a hold of them, she was continually told to sit tight and that they were working on it. She knew something was not right. Sure enough, two months and two extensions later, her loan fell apart. Deflated, she was about to pull out of the deal when the listing agent encouraged her to give us a call. We met, studied her file, asked a lot of questions and got to work. We had her loan wrapped up quickly and in just over a week, she landed the keys to her new home.

RPM Mortgage
08/10/2018
RPM Mortgage

RPM Mortgage

Sellers are using these four early-bird tactics to ensure that their home has gained so much interest that it’s scooped up as soon as it hits the MLS!

RPM Mortgage
08/08/2018
RPM Mortgage

RPM Mortgage

In honor of #NationalDollarDay, here are 6 tips for saving cash for your down payment!

RPM Mortgage
08/07/2018

RPM Mortgage

After Hurricane Harvey destroyed her home and business, our client was forced to move in with friends in another state while she figured out her next move. She eventually fell in love with the area, found a job and decided that buying a home would be the perfect way to plant roots in her new community. But when it came time to apply for a home loan, she couldn’t get approved due to an eight month gap in employment. Understanding there is sometimes more to a story than paperwork shows, we sat down together and learned of her amazing perseverance. We knew we could make it work and asked her for a copy of the offer letter from her new employer and a letter explaining the break in work history. Within 40 days of getting pre-approved, our client became a homeowner. She is now well on her way to rebuilding her new life.

RPM Mortgage
08/06/2018
RPM Mortgage

RPM Mortgage

The Federal Reserve is keeping its benchmark rate unchanged but signals that gradual rate hikes are ahead amid a strong economy.

RPM Mortgage
08/02/2018
RPM Mortgage

RPM Mortgage

A home equity line of credit — a loan that is secured by your abode — could act as an emergency source of cash in a pinch, as long as you use it responsibly. Here's everything you need to know:

RPM Mortgage
07/30/2018
RPM Mortgage

RPM Mortgage

Considering buying your first house? Before you can open the door to your new abode, you’ll first need to tackle the homebuying process and avoid these first time buyer mishaps.

RPM Mortgage
07/29/2018
RPM Mortgage

RPM Mortgage

Here are 3 things to try this week to get you moving toward your goals! via @successmagazine

RPM Mortgage
07/27/2018
RPM Mortgage

RPM Mortgage

What if there were a way to buy a house before it's officially on the market? Well, there is—and it can help you snag your dream house long before your competition even knows it exists.

RPM Mortgage
07/23/2018
RPM Mortgage

RPM Mortgage

How can you be sure your dream house feeds into your child’s dream school? Make sure you do your homework.

RPM Mortgage
07/17/2018

RPM Mortgage

A couple was making a move across the country and planned to use an FHA loan to purchase a new home. They wanted to leave the husband off the mortgage due to his low credit score and commission-based income, which would be difficult to verify. Still, because it was a community property state, we were required to measure his debts against his wife’s income, which ended up putting her over the ratio limit and threatened to disqualify her for the loan. Thankfully, due to the quick thinking of our team, we found a solution. We lowered the couple’s down payment from 12% to the FHA minimum of 3.5%, freeing up a considerable amount of cash that they then used to pay off their car loan. This not only bettered their debt-to-income ratio, but lowered their monthly expenses. We got the deal closed and the couple is now enjoying life in their new home and community.

RPM Mortgage
07/13/2018
RPM Mortgage

RPM Mortgage

Before getting completely settled in, there’s a small checklist of tasks to be completed in the days and weeks after buying house:

RPM Mortgage
07/11/2018
RPM Mortgage

RPM Mortgage

Here are five myths (and five truths) about working with both buyer’s and seller’s agents:

RPM Mortgage
07/10/2018

RPM Mortgage

Referred to us by their close friends, our recent borrowers were upset about being denied by their previous lender two weeks before closing – costing them the house and their deposit. When we met, we learned that the other lender denied the couple for a VA loan due to eligibility requirements and a short employment history. What the lender didn’t seem to know was that there had been recent changes in eligibility limits, which allowed them to qualify. In addition, though the husband had retired from his job of 20 years, he had recently taken a new position with nearly all the same responsibilities. So his time with his new employer was short, but he showed a long history of employment in the same type of work. Overcoming that last hurdle, the couple moved forward with making an offer on a home they liked even more than the first one, and we closed their loan without a hitch.

RPM Mortgage
07/10/2018
RPM Mortgage

RPM Mortgage

There are quite a few ways in which the federal government or other agencies can help you afford a home, and state and local governments offer far more programs than we have room to recite. Let’s take a look!

RPM Mortgage
07/06/2018
RPM Mortgage

RPM Mortgage

Sellers hoping to get the highest prices for their homes this summer should forget about opening up their kitchen or installing a free-standing bathtub. Instead, they should amp up their home for summer with some of these most popular outdoor features!

RPM Mortgage
07/04/2018

RPM Mortgage

Happy 4th of July!

RPM Mortgage
07/03/2018
RPM Mortgage

RPM Mortgage

If you don’t like the idea of giving up your lattes, avocado toast or meals out, there are other ways to lower your payment:

RPM Mortgage
06/24/2018

RPM Mortgage

Need to refinance a large home purchase or pay for tuition? Your home's equity can help! Ask us how a cash out refi can get you the funds you need for what you want most!

RPM Mortgage
06/20/2018

RPM Mortgage

An active-duty naval officer was thousands of miles away for training while his wife house-hunted back home. Having been pre-approved for a VA loan by a well-known national lender, she found the perfect condo and submitted an offer. But she was shocked when, the day the sellers were to review offers, she learned the complex was not eligible for VA lending. Knowing there were only a few hours to spare, her agent referred her to us for help. In just 90 minutes we reviewed all documents, got the couple pre-approved for a conventional loan, committed to closing in 21 days and submitted a new offer. Our quick action was enough to help our clients beat out nine other bids and win the deal. Now the wife is settling in and preparing for her husband’s long awaited return home.

RPM Mortgage
06/18/2018
RPM Mortgage

RPM Mortgage

In real estate, a variety of metrics are used for different purposes to assign monetary worth to a piece of property. The most common metrics that you will see are assessed value, appraised value and market value. Let’s break down what it all means:

RPM Mortgage
06/15/2018

RPM Mortgage

Two sisters were looking to purchase their first home together in a very competitive market. They had already been in contract on two different homes, which had fallen through due to poor inspections. Starting to feel frustrated, they decided to take one more chance on a home that they felt would be perfect. To give them a competitive edge, we included in their bid a commitment to close in less than 21 days. The strategy worked! Their offer was accepted and the loan went through without a hitch.

RPM Mortgage
06/13/2018

RPM Mortgage

With just 5% down on purchases up to $1.5 million, a dream home can become reality.
Ask us about low down payment jumbo financing options to increase buying power and reserve cash!

RPM Mortgage
06/09/2018

RPM Mortgage

While on vacation, a snowbird couple had fallen in love with the warm weather and decided they wanted to buy a second home. They hadn’t purchased a property in more than 20 years, so their Realtor referred them to us. At first they were surprised with how much the application process had changed over the years and were concerned about giving out so much of personal information. We reassured them that the regulations in place today are designed to protect consumers and that guidelines are different for purchasing second homes, which explained much of the differences from their past experience. The couple appreciated the explanation, moved forward and are now enjoying their time in the sun.

RPM Mortgage
06/08/2018

RPM Mortgage

Did you know you don't need 20% down to purchase a home? We offer many programs with low down payment and down payment assistance options, designed to put homeownership within reach! Ask us for details.

RPM Mortgage
06/04/2018

RPM Mortgage

Clients were already in contract when their lender’s denial threatened the deal. Their income was complicated – one was a Veteran, both were doctors and they were getting a second loan from their employer to help with the down payment. The sellers already had a back-up offer, so there was no wiggle room to postpone the closing date. We quickly jumped in and discovered that the previous lender had miscalculated our clients’ income. We made the correction, got them approved and funded their loan within two weeks – closing on the original date scheduled. They were so happy, they even invited us to their house warming party.

RPM Mortgage
06/02/2018

RPM Mortgage

Buried in debt with a low credit score and in need of a resolution, homeowners were referred to us to discuss their financial options. They wanted to pay off more than $100K in debt and lower their overall monthly expenses, but hadn’t been able to qualify for a cash-out refinance. After analyzing their existing home loan and equity, we set them out on a path to boost their credit score. They followed our instruction to a T and within days, saw a 40 point jump in their score – putting a refi within reach. With a new sense of optimism and clean slate, they’re now saving $2,000 per month and feel much more financially more secure.

RPM Mortgage
06/01/2018
RPM Mortgage

RPM Mortgage

Communication, responsiveness & accuracy will help ensure that your loan stays on track for an on-time closing. Partnering with the right professional can make all the difference. If you have any questions about the loan process, contact us to learn more!

RPM Mortgage
05/30/2018

RPM Mortgage

By combining the cost of a mortgage and renovation repairs into one loan, we can help turn a fixer-upper into a dream home. Ask us about renovation loan options!

Address

3240 Stone Valley Rd W
Alamo, CA
94507

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